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1 NEWSLETTER Fall/Winter NATIONAL INDO-AMERICAN ASSOCIATION FOR SENIOR CITIZENS Fall/Winter Web site: Mailing Address: 987 David Walker Drive, Tavares, FL Office: 1824 Fairfax Street, Elmont, NY Editors and Contributors: Rajeshwar Prasad, P. Ramaswamy Mohan, Ashok Sapre, Ashwin Pandya & Satpal Malhotra 27TH CONFERENCE AND 15TH ANNUAL MEETING The National Indo-American Association for Senior Citizens () held its interactive and participatory 27th conference on seniors and 15th annual meeting of at Shantiniketan in Tavares, Florida on November 8 & 9, The conference was undertaken in collaboration with Shantiniketan, and was sponsored by over two dozen individuals and not for profit & for profit organizations. The conference was followed by annual general body meeting and Board of Directors meeting. About 80 participants deliberated on subject Share, Care and Beware for a Happy Retirement Life with distinguished speakers and group leaders. The coordination of conference was conducted by Dr. Ashok Sapre, Board member and a distinguished community leader from California. The program overall coordination was conducted by P. Ramaswamy Mohan, former President and currently a Board member, who is also very closely affiliated with Hindu Temple in Flushing, New York. Dr. Ashwin Pandya, President of, in welcoming participants, guests and speakers, underscored importance of mission which is focused on services to seniors through information, referral and advocacy. Mr. Rajeshwar Prasad, cofounder of, emphasized need of Indo-American senior programs and seniors to extend ir cooperation to so that can fulfill its obligations more effectively. An entertainment program was coordinated by Dick Sharad of Shantiniketan with songs and dances. The Luncheon speaker on Day 1 was Dr. Vasundhara Participants (only one section shown) being welcomed by Dr. Ashwin Pandya, founder of India Home Kalasapudi, who is Founder of India Home. Dr. Kalasapudi spoke about activities and growth of India Home in serving growing south Asian Senior population in Queens, NY. On second day of conference, Mr. Iggy Ignatius, CEO of Shantiniketan in Tavares, Florida, addressed audience and outlined history of Shantiniketan and its ambitious growth plans to serve growing Indo-American Senior population in United States. For program details, please visit website.

2 LIVING A FULL LIFE AS SELF SUFFICIENT SENIORS: FOCUS OF THE CONFERENCE Developed by P. Ramaswamy Mohan Some people seem to move in and out of life situations with ease and seem to handle ups and downs of life much better than most. It is perhaps ir ability to accept things that y cannot change, adapt and move forward that sets such people apart from ors. Typically se individuals take care of ir health by adopting good habits, have a thankful heart and generally feel good about mselves. Good health makes one less self absorbed and acts as a foundation for healthy life relationships. Good relationships in turn evoke a sense of gratitude and realization that our success is not all self made and that our friends and relatives, that is our loved ones, enabled us in our path in some way or or. We spend time with our loved ones which simply makes us feel good about ourselves and our life. We may feel morally and emotionally compelled to help ors reby becoming active volunteers. A word of caution here is that we must not over commit in form of time or financial resources and make sure that we strike a good balance. This overall approach helps us Seniors to lead a healthy, balanced and rewarding life which we realize is a sum total of all our relationships from which we try to learn and thus perhaps attain happiness we all seek. At this Conference selected three HONOREES in three categories: Person Involved with an Ongoing Indo-American Senior Program: Mr. Madan Mohan Arora, who retired from UNICEF as International Contracts Officer, was a staff member with longest service with UNICEF and second longest service within all of UN. He is settled in Orlando since 2000 after retirement and fully committed to community service. Presently he is coordinator of HSCF New Age Seniors Group and coordinator of Florida chapter of Association of Former International civil servants. Madan Mohan Arora being introduced by Bhanu Ivatury. Ashok Sapre in back. BE A MEMBER OF ; GO OVER THE WEB SITE AND SEE THE MEMBERSHIP APPLICATION AND OTHER INFORMATION

3 Mr. Anjaiah Chowdary Lavu, Rajeshwar Prasad, Bhanu Ivatury, Ashwin Pandya & Satpal Malhotra Community Leader: Mr. Anjaiah Chowdary Lavu is a Joint Treasurer and TEAM Square mentor for Telugu Association of North America. He is also a director of Vensai Foundation that helps orphaned children in India. He organizes numerous food drives for foster children in State of Georgia. He also organizes Toys for Tots drives on behalf of Georgia Department of Family and Children s Services. He is also involved in blood drives and for volunteer help during Tsunami and or natural disasters. Ongoing Indo-American Senior Program: Shantiniketan is a retirement community currently in Tavares, Florida. Phase 1 with 54 units is already completed and fully occupied. Phase 2 when finished will have 120 units and already a sizable portion has been completed and occupied. Shantiniketan has committed to build a village and to that end has bought 100 acres of land. All activities for seniors residing re are organized by residents mselves who are Geeta Ram and O Jay Shah from Shantiniketan presenting very active in several areas. Examples are music plaque to Jeff Ignatius: Ors from L to R: Rajeshwar Prasad, Ashwin Pandya, Ashok Sapre. club, bridge club, philosophical discussion group and with plans for more and more of such activities. ANNUAL GENERAL BODY MEETING: A meeting of General Body of members followed conference at which time six directors whose term ends on December 31st and who expressed interest in continuing to serve on Board were re-elected. The seventh director whose term also ended declined to seek re election due to personal reasons. BOARD OF DIRECTORS MEETING At Board Meeting, since all of Officers term ended, new Officers were elected as follows : Mr. Rajeshwar Prasad as President, Dr. Ashok Sapre and Mr. P. Ramaswamy Mohan as Vice Presidents and Mr. Satpal Malhotra as Treasurer. It was decided that position of Secretary will be filled at a later date.

4 NEW MEMBERS OF Life Members: Kulbhushan and Rita Kohli of New York, Ramesh and Laxmi Kumar of New York, Gulshan and Veena Nagpal of New York, Kedar Verma, MD in Tavares, FL; Krishnavadan Patel/Kunj Lata Patel, Tavares, FL, O J. Shah, Tavares, FL, Tunkur S, Shivashankara, Tuscaloosa, AL 5-Year Members: Aruna Desai (Tavares, FL), Ram Krishnan (Tavares, FL) Annual Members: All from Tavares, FL unless orwise noted: Jinesh Dave, Rana Gupta S. Mangalam/Subramanian, Sundar Sodhi, Sharad Deshpande, Venkateswar & Vijaya Garimella, Gobind Kumar, Rajesh Agarwal, Arvind and Ranu Patel, Chanderkant Mehta, Manubhai Nayak, Ramesh Jhaveri, Shantilal Kalathia, Laxmikant Kalathia, Harivandan Choksi, Laxmi Patel, Shashi Bina, Manoj Sharma, Sharddha Sampat, Navnit Desai, Raj Sardana, Krishan Sardana, Vishnu Patel, Dick Sharad, Ashvin Shah, Aruna Shah, Rajendra Patel, Narasima Rao Avvaru (Irving, TX), Triloki Verma, NATIONAL Usha Gupta, INDO-AMERICAN Pratibha R. Shah. ASSOCIATION FOR SENIOR CITIZENS Inc. () NATIONAL November INDO-AMERICAN 8 & 9, 2014 CONFERENCE ASSOCIATION EVALUATION FOR SENIOR BY PARTICIPANTS CITIZENS Inc. () NATIONAL November 8 INDO-AMERICAN & 9, 2014 CONFERENCE ASSOCIATION EVALUATION FOR SENIOR BY PARTICIPANTS CITIZENS Inc. () The 2-day conference on seniors arranged by National Indo-American Association for Senior Citizens in collaboration with NATIONAL Shantiniketan November The 2-day conference INDO-AMERICAN concluded 8 in & 9, afternoon 2014 CONFERENCE on seniors arranged by of ASSOCIATION November 9, EVALUATION National Indo-American This FOR Association was SENIOR 27 th such BY conference. PARTICIPANTS for Senior CITIZENS Citizens At in collaboration end Inc. of () with Shantiniketan conference concluded an evaluation in questionnaire afternoon of was November circulated 9, and 42 This participants was 27 responded th such conference. to questionnaire. At end There of were six The categories 2-day November conference and rating on 8 seniors & 9, was A arranged 2014 CONFERENCE for excellent; by National B for Good; Indo-American EVALUATION C for Fair; Association and D for for Below Senior BY Average. Citizens PARTICIPANTS in The collaboration following is with result The conference an evaluation questionnaire was circulated and 42 participants responded to questionnaire. There were six Shantiniketan 2-day of evaluation. conference concluded Please bear in seniors in afternoon mind arranged a few of did November by not National respond 9, Indo-American to all This was categories: Association 27 th such conference. for Senior At Citizens end in of collaboration with categories and rating was A for excellent; B for Good; C for Fair; and D for Below Average. The following is result conference Shantiniketan evaluation concluded questionnaire in afternoon was circulated of November and 42 participants 9, This responded was to 27th questionnaire. such conference. There At were six end of conference of evaluation. Please bear in mind a few did not respond to all categories: categories Categories an and evaluation rating was questionnaire A for excellent; was circulated B A for Good; and C for 42 B Fair; participants and D for responded Below C Average. to The questionnaire. D following is There result were six categories of evaluation. Overall and Conference Please rating bear was in mind A for a excellent; few did not 27 B respond for Good; to all C for 11 categories: Fair; and D for 1 Below Average. 0 The following is result Categories A B C D of evaluation. Entertainment Please Program bear in mind a few did not 18 respond to all 14 categories: Overall Conference Categories Group Discussion & Reports A 21 B 14 C 2 DD Entertainment Program Overall Attendees Conference Interaction Group Discussion & Reports Entertainment Luncheon: Saturday Program Attendees Interaction Group Discussion Sunday & Reports Luncheon: Saturday Attendees Hospitality Interaction Sunday Luncheon: Saturday Hospitality The above Sunday table shows that almost all respondents 24 considered 15 conference 0 to be excellent or 0 good. A small number, but Hospitality The not above to be table ignored shows for future that almost consideration, 24 all respondents gave a considered rating of Fair. 16 Almost conference nobody 0 to be considered excellent it or below 0 good. average. A small number, There were but 42 The above not respondents. table shows that almost all respondents considered conference to be excellent or good. A small number, to be ignored for future consideration, gave a rating of Fair. Almost nobody considered it below average. There were 42 but The not above to be table ignored shows for that future almost consideration, all respondents gave considered a rating of Fair. conference Almost to nobody be excellent considered or good. it A below small number, average. but There respondents. were not We 42 to respondents. believe ignored that for we future should consideration, know result gave of a rating conference of Fair. Almost as it serves nobody two considered purposes: it Did below efforts average. to arrange There were and 42 respondents. We conduct believe that conference we paid off? The result overwhelming of conference answer as will it serves be YES. two Secondly purposes: we Did will know efforts from to arrange minority and point of We believe conduct view where that we need should to paid focus know to make result of future conferences answer will be as YES. A it & serves B. Secondly two purposes: we is always will know open Did from for your efforts minority comments. to arrange point You and conduct of We should believe be conference that we aware we should need of to pay know focus off? The to make result overwhelming of future address conference conferences as answer well its as as web will it serves A & site be B. to YES. two let us purposes: Secondly know is always in Did future we will open as efforts know for well your as to from arrange comments. for you to minority and keep You abreast point of view conduct should what where be conference we need aware of is doing to paid by focus going off? to The over make overwhelming its address web future site. answer conferences will be YES. as A Secondly & B. we will is know always from open minority for your point comments. of You as well its to let us know in future as well as for you keep view should where be we familiar need to with focus to make future conferences and web as site A & B. to be able is to always provide open comments for your comments. and to be abreast You of what is doing by going over its web site. should THANKS activities. be aware FOR of YOUR COOPERATION, address PARTICIPATION as well its web AND site ENCOURAGEMENT to let us know in future TO as THE well as CONFERENCE for you to keep abreast what is doing by going over its web site. THANKS FOR YOUR COOPERATION, PARTICIPATION AND ENCOURAGEMENT AND ENCOURAGEMENT TO THE CONFERENCE TO THE CONFERENCE FINANCIAL REPORTS: THANKS FOR YOUR COOPERATION, PARTICIPATION AND FINANCIAL Mr. Satpal REPORTS: Malhotra submitted annual financial report ENCOURAGEMENT for period April 1, TO 2013 THE to March CONFERENCE 31, The report has Mr. been Satpal published Malhotra earlier submitted in recent annual brochure financial as well. report The report for was period accepted April at 1, 2013 General to March Body 31, meeting. FINANCIAL REPORTS: The report has Mr. been Mr. Satpal Satpal published Malhotra Malhotra earlier submitted in submitted recent annual brochure annual financial financial as well. report The report for report for period was period accepted April April 1, at , 2013 General to March to March Body 31, meeting. 31, The report The report has been has published A. SUMMARY earlier in FINANCIAL recent brochure REPORT as well. for The : report was Year accepted ending at March General 31 been published earlier in recent Body meeting. A. A. SUMMARY FINANCIAL 2012 brochure as well. The REPORTS for : 2013 report was accepted at Year ending March General Body meeting. Opening Balance 2012 $ $ $ A. Opening INCOME SUMMARY FINANCIAL Balance $ REPORT for : Year $ ending March 31 $ INCOME EXPENSES Opening EXPENSES BALANCE Balance (+ OR -) $ $ $ INCOME EXPENSES BALANCE (+ OR -) B. SUMMARY FINANCIAL STATEMENT OF NOVEMBER 8 &9, 2014 CONFERENCE B. BALANCE SUMMARY HELD IN (+ COLLABORATION OR FINANCIAL -) STATEMENT WITH SHANTINIKETSN OF NOVEMBER IN TAVERES, 8 & 9, 2014 FLORIDA CONFERENCE HELD B. SUMMARY IN COLLABORATION FINANCIAL STATEMENT WITH SHANTINIKETSN OF NOVEMBER IN TAVERES, 8 &9, 2014 FLORIDA CONFERENCE B. HELD SUMMARY IN COLLABORATION FINANCIAL STATEMENT WITH SHANTINIKETSN OF NOVEMBER IN TAVERES, 8 &9, 2014 FLORIDA CONFERENCE HELD IN COLLABORATION INCOME WITH SHANTINIKETSN Dollars IN TAVERES, Expenditure FLORIDA Item-wise Dollars INCOME Sponsorship Dollars $3, Expenditure ITEMS OF EXPENDITRE: Item-wise Dollars Sponsorship (Donations included) $3, ITEMS Printing, OF EXPENDITRE: Plaques, Food, Sweets, INCOME Dollars Expenditure Item-wise Dollars (Donations included) Printing, Gratuity Plaques, to kitchen Food, staff Sweets, etc. $2, Sponsorship $3, ITEMS OF EXPENDITRE: (Donations included) Gratuity to kitchen staff etc. $2, TOTAL $3, Printing, Plaques, Food, Sweets, TOTAL $2, Gratuity to kitchen staff etc. $2, TOTAL $3, TOTAL $2, TOTAL $3, BALANCE (surplus) $ TOTAL $2, BALANCE (surplus) $ ORGANIZERS. ABOUT 80 BALANCE PEOPLE ATTENDED (surplus) $ THE CONFERENCE ORGANIZERS. ABOUT 80 PEOPLE ATTENDED THE CONFERENCE

5 IDENTITY THEFT: WHAT TO KNOW AND WHAT TO DO Key symptoms to suspect that your identity might be stolen: 1. Mistakes on your bank, credit card, or or account statements. 2. Mistakes on your medical benefits from your health plan. If Your Identity is stolen...: 1. Flag your credit reports. Call one of nationwide credit reporting companies, and ask for a fraud alert on your credit report. The company you call must contact or two so y can put fraud alerts on your files. An initial fraud alert is good for 90 days. Equifax: ; Experian: ; TransUnion: How to Protect Your Information: 1. Shred all documents that show personal, financial, and medical information before you throw m away. 2. Don t respond to , text, and phone messages that ask for personal information. Delete messages. 3. Create passwords that mix letters, numbers, and special characters. Don t use same password for more than one account. Please note: Identity ft summary (above) in newsletter is supplemented by detailed article that has been posted on web site: NATIONAL INDO-AMERICAN ASSOCIATION FOR SENIOR CITIZENS INC. Board of Directors, 2015 OFFICERS: Rajeshwar Prasad President prasadraj@aol.com P. Ramaswamy Mohan, MBA & CPA Vice President Mohans49@yahoo.com Ashok Sapre, PhD Vice President sapre@aol.com Satpal Malhotra Treasurer Paul_malhotra@yahoo.com IMMEDIATE PAST PRESIDENT: Ashwin Pandya, MD pandya.ashwin@gmail.com MEMBERS: Jaya Bahadkar, RN rsb747@aol.com Samir K. Dutta, MD samirkdutta@yahoo.com Sampurna Jain sampurnajain@yahoo.com Vasundhara KalasapudI, MD vkalasapudi@gmail.com Jyotsna Kalavar, PhD Jmk18@psu.edu Tara Kotecha Sita9ram@msn.com Satya Malhotra, RN satyamalhotra312@gmail.com Asha Samant,DDS samantas@sdm.rutgers.edu Chandrakant Shah CKShah@aol.com Bhavani Srinivasan, MD bhavani@optonline.net E M Stephen emstephen@gmail.com Avinash Suri Rsms389@aol.com Position of secretary is still open and till it is filled or officers have volunteered to chip in to carry on its task MEDICARE FIFTY YEARS BACK: President Lyndon Baines Johnson led way for creation of Medicare and Medicaid. He said on July 9, 1965, Older citizens will no longer have to fear that illness will wipe out ir savings, eat up ir income, and destroy lifelong hope of dignity and independence. For every family with older members it will mean relief from often crushing responsibilities of care. For Nation it will bring necessary satisfaction of having fulfilled obligations of justice to those who have given a lifetime of service and labor to ir country PART A PREMIUMS, DEDUCTIONS AND CO-PAYMENTS PART A: HOSPITAL DEDUCTIBLES PER BENEFIT PERIOD: ( A benefit period begins day you are admitted as an inpatient in a hospital or skilled nursing facility. The benefit period ends when you have not received any inpatient hospital or skilled care in a SKF for 60 days in a row. ) $1,260 deductible paid upon admission as an inpatient for 1-60 days; $315 per day for days; $630 per day for All costs for each day beyond 150 days. PART A MONTHLY PREMIUM: 40 or more quarters ( $0); 30 to 39 quarters of coverage $324.00/month; Less than 30 quarters $407.00/month SKILLED NURSING FACILITY CARE: Covered in full for first 20 days after a minimum 3-day qualifying hospital stay (day of discharge not included) Beneficiaries pay $ par day for days ; beneficiaries pay all costs after 100 days. PART B (Medical) Annual deductible $ Co-insurance for most services 20% of Medicare approved amount after annual deductible. PART B MONTHLY PREMIUMS: Varies from $ to $ depending on your adjusted gross income.

6 SPONSORS FOR 27 TH CONFERENCE ON SENIORS: COLLABORATOR -- SHANTINIKETAN MAJOR SPONSORS Anonymous from Orlando Brand Inc., Madan and Monica Gupta, Manassas VA New York Psychiatry & Cognitive Care P.C Nonprofit Organizations Indian American Kerala Center India Association of Long Island INDIVIDUAL SPONSORS Jaya Bahadkar, RN, Samir Dutta, MD, Iggy Ignatius, MBA, Satpal Malhotra, Satya Malhotra RN, Radhika Mohan, Ramaswamy Mohan, CPA. Vasundhara Kalasapudi, MD, Tara Kotecha, Ashwin Pandya, MD, Rajendra Patel, Daxa Patel, Ramchandra Patil, Prem Prasad, PhD, Rajeshwar Prasad, Asha Samant, DDS, Ashok Sapre, PhD, Chandrakant Shah, Bhavani Srinivasan, MD, Avinash Suri Important Summary information: In personal folder some are personal, some are finance related, and some are legal. Personal MEDICARE: Folder Documents 1. Birth certificates, original and a copy 2. Citizenship certificate Original and a copy (Name match) 3. FIFTY Passport YEARS and a copy BACK: 4. President Marriage Lyndon certificate Baines and Johnson a copy led (Name way match) for creation of Medicare and Medicaid. He said on July 9, , Driver Older License citizens will no longer have to fear that illness will wipe out ir savings, eat up ir income, and 6. destroy Social lifelong Security hope card/numbers of dignity and and independence. a copy (Name For match) every family with older members it will mean relief from 7. Will/Trust often crushing document responsibilities (Name match) of care. For Nation it will bring necessary satisfaction of having 8. fulfilled Financial obligations Institution of statements justice to (Account those who number have given replace a lifetime each year) of service and labor to ir country. 9. Healthcare Power of Attorney 10. General Power 2015 of PART Attorney A PREMIUMS, DEDUCTIONS AND CO-PAYMENTS 11. Living Will/Advance Medical Directives 12. Auto title(name match) 13. PART Home A: and HOSPITAL real estate DEDUCTIBLES titles PER BENEFIT PERIOD: 14. ( A benefit Safe deposit period begins box keys day you are admitted as an inpatient in a hospital or skilled nursing facility. The benefit period 15. ends Photo when you id/ Account have not received number any of pensions inpatient hospital or skilled care in a SKF for 60 days in a row. ) $1,260 deductible paid upon admission as an inpatient for 1-60 days; $315 per day for days; $630 per day for Health Insurance IDs All costs for each day beyond 150 days. 17. Job related benefits (Survivor, estate) 18. Tax returns (Replace each year) PART A MONTHLY PREMIUM: 40 or Also more see quarters report ( $0); of 30 to conference 39 quarters on legal of coverage and financial $324.00/month; issues of concern Less than to senior 30 quarters citizens $407.00/month on web site. SKILLED NURSING FACILITY CARE: Covered in full for first 20 days after a minimum 3-day qualifying hospital stay (day of discharge not included) Participates in 18th Biennial Convention of National Federation Of Beneficiaries pay $ par day for days ; beneficiaries pay all costs after 100 days. Indian-American Associations (NFIA), Cerritos, CA, March 6-8, PART B (Medical) Annual deductible $ Co-insurance for most services 20% of Medicare approved amount after annual deductible Nearly 400 Indian-Americans attended above 18th NFIA Convention, and joined in celebrating huge impact Indian- American community has made in America. It was a fabulous three-day event in sunny California, filled with speeches outlining accomplishments of Indian-Americans in a variety of fields; a day long interesting and informative seminars on subjects of interest to Indian Americans; outstanding song and dance performances by young Indian- American artists; and delicious Indian cuisine. Vice President, Dr. Ashok Sapre represented at this convention. NFIA recognized several Indian-Americans in different fields, from arts, science, law, business, medicine to community service, for ir outstanding accomplishments. It was a crescendo of Convention. will urge NFIA to address issues related to Indian-American seniors again in future Conventions. It devoted half a day on such issues in NFIA has changed Convention timing from Biennial to Annual starting (As and when receives full text of convention, it will be posted on website)

7 TWENTY SECTION SEVEN 2: CONFERENCES TWENTY SEVEN HELD BY : SECTION 2: TWENTY SEVEN CONFERENCES HELD HELD BY BY : : has always sought collaborators and sponsors for each of its conferences. This is 27th conference on seniors arranged by in Conferences collaboration Conferences held: with Shantiniketan. held: has always In addition, has always sought sought collaborators has collaborators and sponsors helped or and organizations sponsors for each for each of its to arrange of conferences. its conferences. This conferences This and/or is 27 th conference collaborated 27 th conference with on or groups seniors to develop seniors arranged conferences arranged by and by workshops. in collaboration in collaboration with Shantiniketan. played with an Shantiniketan. In addition important role In when addition Hofstra has helped University has helped or in Long or organizations Island organizations to arrange was requested to arrange to attend Aging conferences and/or collaborated with or groups to develop conferences and workshops. played an important role when Conference conferences in Washington and/or DC. collaborated Same day with about or an hour groups interview to develop was conferences held on World and workshops. TV with MK Ramasubaramanian, played important role when Board member in Hofstra University in Long Island was requested to attend Aging Conference in Washington DC. Same day about an hour interview was NYC. All conferences Hofstra University and workshops in Long Island by niaasc was appear requested on to attend niaasc Aging web site: Conference Washington (except DC. 9/26/98 Same day conference) about an hour interview was held on held World on World TV with TV MK with MK Ramasubaramanian, Board Board member member in NYC in NYC was held. was held. All conferences All conferences and workshops and workshops by niaasc by niaasc appear appear on on niaasc niaasc web site: web site: (except (except 9/26/98 9/26/98 conference) conference) September September 26, , 1998 April April 29, , 2000 November November 11, , 2000 November November 10, , 2001 November November 02, , 2002 April April 26, , 2003 November November August August 22, , 2004 October October 30, , 2004 October October 29, , 2005 June June 11, , 2006 October October 28, , 2006 April April 29, , 2007 October October 27, , 2007 April April 19, , 2008 October October 25, , 2008 Problems Problems and Issues and Issues Faced Faced by Elders by Elders and Services and Services for elderly for elderly (issues (issues and aspirations and aspirations of Indian of Indian Americans); Americans); Entitlement Entitlement programs, programs, Long Long Term Term Care Care Medicare Medicare and Medicaid and Medicaid Basics; Basics; Issues Issues and Services and Services for Seniors, for Seniors, Unique Unique Issues Issues of Indian of Indian Seniors; Seniors; Strategies Strategies for Developing for Developing Senior Senior Citizen Citizen Centers. Centers. In-Family In-Family Conflicts Conflicts and Compromises and Compromises Faced Faced by Immigrant by Immigrant Seniors Seniors Issues Issues Related Related to Housing to Housing for Seniors for Seniors including including Assisted Assisted Living; Living; Issues Issues Related Related to to Transportation, Medicaid Medicaid and Respite and Respite Care Care Elder Elder Law Law and Its and Implications Its Implications to Seniors to Seniors Advocacy Advocacy Workshop: Workshop: Crucial Crucial Points Points Advocacy in Advocacy Housing Housing Opportunities for Seniors for Seniors Brainstorming Session Session Planning, on Planning, Development and and Administration of Senior of Senior Housing Housing Complexes. Social Social and Cultural and Cultural Interventions and Elderly and Elderly Abuse Abuse Interactive Interactive Discussion Discussion among among Ongoing Ongoing Indo-American Senior Senior Programs Programs Overseas Overseas Citizenship Citizenship of India of India Financial Financial Planning Planning and and Management for Seniors, for Seniors, and How and How Public Public and Nonprofit and Nonprofit Organizations can work can work cooperatively toger toger Issue Issue of Single of Single Seniors: Seniors: Focus Focus on on Bereavement Support Support System System Retirement Retirement Housing Housing for Seniors for Seniors of Indian of Indian Origin Origin Single Single Seniors: Seniors: Retirement Retirement Housing- Housing- Progress Progress in Florida in Florida Home Home Health Health Care Care for Seniors, for Seniors, and Reverse and Reverse Mortgage Mortgage Overseas Overseas Citizenship Citizenship of India of India and A and Dialogue A Dialogue Among Among Ongoing Ongoing Senior Senior Programs Programs May May Networking Networking Among Among Ongoing Ongoing Indo-American Senior Senior Programs Programs ctob October October 24, , 2009 Smart Smart Seniors Seniors Legal Legal Issues Issues (Elder (Elder Care Care Law Law related related issues) issues) May May 15, , 2010 October October 30, , 2010 June June 11, , 2011 October October 29, , 2011 June June 1, , 2012 October October 28, , 2012 June June 15, , 2013 November November 9, , 2013 Inter-generational Issues Issues Impacting Impacting Seniors Seniors Essential Essential Financial Financial and Legal and Legal Tools Tools for Seniors for Seniors Housing Housing Choices Choices for Seniors for Seniors Social Social Security Security & Medicare & Medicare Aging Aging Place in Place Care Care Giving Giving Affordable Affordable Care Care Act Act Healthy Healthy Aging Aging November November 8 & 9, 8 & , 2014 Share, Share, Care Care and Beware and Beware For a For Healthy a Healthy Retirement Retirement Life Life These These conferences conferences and workshops and workshops coupled coupled with with active active collaborative efforts efforts with with or or organizations have have resulted resulted in positive in positive outcomes: outcomes: Such Such as (a) as Start-up (a) Start-up of A of Retirement A Retirement Community ShantiNiketan, in Tavares, in Tavares, Florida, Florida, (near (near Orlando) Orlando) developed developed by a by a not-for-profit entity. entity. (b) Issues (b) Issues such such ass Health ass Health Proxy, Proxy, Durable Durable Power Power of Attorney of Attorney and and or or End End of Life of Life issues: issues: People People have have taken taken a note a note of ir of ir importance importance reby reby resulting resulting practical in practical steps steps of of preparing preparing necessary necessary documents. documents. Overall, Overall, we believe, we believe, as a as result a result of s of s initiatives initiatives Indian Indian Organizations sensitivity sensitivity to seniors to seniors concerns concerns has been has been broadly broadly enhanced. enhanced. 23rd Conference, June 1, 2012: Section of audience

8 EDITORIAL NO WORRIES--SENIOR YEARS ARE SOMETHING TO CELEBRATE!!! The paradigm has shifted-- 80 is new is new 60 and so on. We hear this a lot and it is supposed to be encouraging to us Seniors and rightfully, it should. So, did we really get a gift of 10 years in form of quality of life? Better and more affordable medical care, financial security, family support including joy of being around grand children, volunteerism etc all go to relieve stress and increase our self worth. We worry less and try to enjoy more which is prescription for celebrating life. It is responsibility of every Senior to recognize every incident in our daily lives as an opportunity so that we can savor moment as it happens. Still cynical? No reason to be that way because as Seniors we have necessary free time, wealth of experience, ability to recognize joy of giving, patience to wait for right moment and extended network of family and friends that we have built over years. Let us look at a FEW specifics that most of us may have as part of our lives. We know we get knowledge from reading materials but we get wisdom only from experience. This helps us to avoid pitfalls and be selective about how and with whom we want to spend our time. Fortunately, research shows that we get less neurotic as we get older which means clearer thinking and mindset to accept reality with grace. Common sense keeps growing and we are free with our admiration for ors which in turn wins us admiration of ors. Families grow in form of grand kids and great grand kids each with opportunity to be a source of great joy. We are able to appreciate sacrifices our spouse has made and express our mature love for this special person in our life. Friendships and networks tend to grow and thrive as we deepen contacts showing extra sensitivity in our relationships. Pets, gardening, listening to music, watching favorite shows, painting, amateur comedy or singing etc serve as a great way to spend time and money that increases joy of life. Most of all, we realize at last that to find happiness we do not have to reach outward, but should reach deep into ourselves and recognize bliss that can be found inside us. Striking such a balance in life makes us free of worries as we try to get rid of our binding attachments. If we have not already done so let us get started-- RIGHT NOW. 987 David Walker Dr. Tavares, FL Inside newsletter: 27 th conference and its Evaluation 15 th annual meeting To Honorees of 2014 Financial Reports Summary Article on Identity Theft 2015 Board of Directors Article on Legal and Financial Issue s Sponsors of Conference Medicare Brief New members of Membership Form Editorial: Senior Years & Something to Celebrate National Indo-American Association For Senior Citizens () 987 David Walker Dr., Tavares, FL 32778